Red Oak

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$41.1M

91^th percentile

Members

4,629

97^th percentile

Total loans

$19.8M

88^th percentile

Total shares

$31.5M

87^th percentile

Profitability

Return on assets

-0.20%

12^th percentile

Net interest margin

3.59%

36^th percentile

Efficiency ratio

76.47%

30^th percentile

Non-interest income ratio

27.39%

92^th percentile

Capital & Risk

Net worth ratio

6.02%

1^th percentile

Delinquency rate

0.44%

60^th percentile

Net charge-off rate

0.33%

42^th percentile

Loan-to-share

62.94%

53^th percentile

Growth

Member growth YoY

6.73%

95^th percentile

Asset growth YoY

-6.55%

11^th percentile

Loan growth YoY

-12.35%

17^th percentile

Share growth YoY

2.97%

64^th percentile

Operations

Members / branch

2,315

84^th percentile

Assets / member

$8,871

47^th percentile

Field of membership penetration

46.29%

62^th percentile

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